Life insurance is a vital part of any financial plan. It can help protect you and your loved ones in an emergency or tragedy. It can also help you build up a retirement fund, generate income, and provide for your family in the future. Your employer might have a life insurance plan for you as a perk of your job. However, Cross Creek Insurance of Hope Hills, NC has information that might make you want to supplement this with your own plan.
Does your employer offer enough life insurance coverage?
While it’s great to have access to a perk like life insurance, it’s also important to understand the level of coverage your employer provides and whether you need to add additional coverage on your own. Your employer might offer a few thousand dollars in life insurance coverage, which is certainly better than none, but it might not be enough.
Most insurance experts suggest people with dependents like a spouse or children should have coverage worth at least six times their annual income. Those single or have a spouse who is not dependent on their income need significantly less coverage. However, it’s essential to be sure the amount of coverage you have is enough to meet your final expenses.
What will happen to your life insurance if you lose or change your job?
When you leave a job, your life insurance coverage almost always comes with a provision that it will no longer be eligible insurance as of the date you leave. This can leave you without life insurance coverage when you need it most.
It can also leave you without time to look for a new job and find new insurance coverage before your current coverage runs out. Instead of waiting until the last minute to find new coverage, consider adding supplemental life insurance coverage on your own, so you have more time to find a new job without risking the security of your existing coverage.
Cross Creek Insurance can help the people of Hope Hills, NC find affordable life insurance. Contact us today to find out how.
If you have a home insurance claim, it’s essential to understand your options and rights. You may be able to get a partial or full refund, or you may be responsible for paying the cost of the claim. Your policy may have a claim handling plan involving sending a certain number of claims to a specific company before passing them on to another one.
When contacting your insurance company, make sure to let them know if you have already contacted the claims department of your home insurance provider. If you are in a hurry, you can contact Cross Creek Insurance to get an estimate. Our firm serving in Hope Hills, NC can help you get your claim settled on time.
How to Resolve a Home Insurance Claim
When you have a home insurance claim, you have the right to have your claim fixed or resolved to your satisfaction. There are a few ways a home insurance claim can be resolved, but one of the most common ways to resolve it is through negotiations with the company. Many resources are available to help you through this process, such as home insurance claim resolution guides, FAQs, and social media communities.
When you have a severe injury or house fire and need to have your home insurance claim resolved, you may want to work with a professional to help you through the process. An experienced home insurance claims adjuster can help you understand your rights and help you file a claim, if necessary. However, an unprofessional one can cause a lot of stress and make the process of claiming your home insurance claim very difficult.
Home insurance claims are very common and usually occur for several different reasons. These reasons can vary from natural disasters to home fires to hail damage. To have a successful home insurance claim, it is crucial that you understand the process and your rights as a policyholder.
Each state has different regulations and laws regarding home insurance claims. It is vital that you consult with your state’s department of insurance regarding the laws in your state. If you are unsure whether or not your home is insured, or if you would like to know more about how to file a claim on your home insurance policy, contact Hope Hills, NC serving agent, Cross Creek Insurance.
If you live in the greater Hope Hills, NC area and need an insurance agent you can rely on, it’s time to get to know the folks at Cross Creek Insurance. We have the experience and knowledge necessary to care for our client’s insurance needs.
Have your auto insurance needs changed?
Paying off a vehicle is a cause for celebration, but it may also mean that your auto insurance needs have changed. Many people continue with the same insurance policy year after year without ever considering the fact that their insurance needs may have changed.
Once your car is paid off, you may need a different level of collision protection. And you will need to discuss with your agent how your vehicle replacement coverage may need to be adjusted.
A few changes may need to be made once you own your car outright. Even if you are still financing the cost of your vehicle, there may still be changes that need to be made to an older policy. We recommend that our clients review their insurance policies at least once a year.
Don’t let changes to your situation mean that you don’t have the insurance protection and coverage you need. Please take a close look at your auto policy to ensure that it provides the appropriate coverage you need and the right amount.
Give us a call today!
The team at Cross Creek Insurance is proud to be the team that the Hope Hills, NC community relies on for all of its insurance needs. If you want to learn more about the auto insurance policy options available in our area, call us today.
If you are a homeowner in the greater Hope Hills, NC area, it’s time to get to know the team at Cross Creek Insurance. We are here to serve the insurance needs of our community and would welcome the opportunity to work with you. Give us a call or stop by the office today!
Keeping your home insurance policy up-to-date
If you have owned your house for a long time, your homeowner’s policy has likely not kept pace with changes to your home’s value. It is not uncommon for your insurance needs to change over time, and unfortunately, keeping our policies updated is often a task that falls through the cracks.
We recommend that our clients review all of their policies at least once a year. We know how hectic daily life can be, and losing track of how up-to-date one’s insurance policies can be complex. Putting a yearly review on the calendar is a great way to ensure that your house has the protection it needs.
Insurance is one of those things that we hope never to have to use, but we are glad it’s there when there is a covered event that takes place in our lives. Ensure that your home insurance policy is up-to-date by reviewing it at least once a year. And, if you find gaps in coverage during your review, now is a perfect time to make changes.
We can help with all of your insurance needs!
Cross Creek Insurance is proud to serve the greater Hope Hills, NC area. We would love to work with you if you need an insurance partner! Come by our office or give us a call today!
The greater Hope Hills, NC community can rely on the team at Cross Creek Insurance for all of its insurance needs. If you have questions about auto insurance, we can help! Our team is here to help guide you through your insurance decisions. Give us a call or stop by the office today!
What does your auto policy cover when you’re renting a car?
We all know the confusion that occurs when we are asked what insurance we want when renting a car. This can cause us to be over or under-insured. Do you know what your auto policy covers when it comes to car rentals?
It is common for people to do a little research when choosing their auto policy and then never really think about it again. This can create some issues when it comes to missing out on features you are paying for. There’s no reason to pay twice for a service!
Car rental insurance is one thing that many folks don’t realize comes with many auto policies. If you’ve never checked your policy to see what features it provides, it may not be a bad idea to sit down with a local agent. It’s a smart idea to know what you are paying for when it comes to your auto policy! If you want to have the insurance you need when renting a car, it’s a great time to review your policy.
Give us a call today!
The entire Hope Hills, NC area can count on Cross Creek Insurance for their insurance needs. If you are unsure if you have the auto policy that best meets your needs, call us today. We are here for you!
Though you may not want to spend any extra money on life insurance, the truth is that it could be a big mistake. Life insurance is meant to give you peace of mind to help your family after you are gone.
However, it is more than that. Here are many reasons why you need life insurance.
Your family will get a lump sum of money after your death. Your beneficiaries will get their money in order to help them through difficult times. They will have the money to pay for your funeral, as well as keep their life going while dealing with their grief.
If you were the primary breadwinner (and even if you aren’t), this money can help replace your income. It can help them keep up with their bills, including your mortgage, health care, electricity, and everything else. This will give them time to grieve before having to figure out how they are going to pay for everything without you.
It is tax-free. If your policy is for fifty thousand dollars, your family will get all of it. They won’t get taxed and lose some of that money to the government.
If you don’t want to worry about your family when you are gone, you need to get life insurance. They will get a lump sum of money to keep their bills paid, while they are dealing with their grief. Even better, it is tax-free, so they will get all of it!
If you want to make sure that your family is protected, in case of your death, you should contact Cross Creek Insurance in Hope Hills, NC. We will make sure that you have enough life insurance to help your family.
Hope Hills, NC area small business owners can rely on the folks at Cross Creek Insurance to help them secure the necessary policy to protect their businesses. We believe that business ownership is an important part of our community, and are dedicated to helping those in our area get the insurance coverage they need.
Protect your business with the right commercial policy
Protecting your business from loss and liability is a job for any successful business owner. There is a lot that can go wrong when it comes to running a business, and it only makes sense to have the right commercial policy in place.
As businesses grow and become more successful, their insurance requirements can change. It’s important to review all commercial policies at least once a year, if not twice. Making sure that your commercial policy is keeping pace with company needs is often a task that is overlooked or left undone.
Savvy business owners take the time to review all of their insurance protection needs on a regular basis. If their reviews reveal any gaps in coverage, they take the steps necessary to fill them. When a company has the right comprehensive insurance policy in place, owners and managers can focus on keeping the company thriving. There is no reason to have insurance coverage that lags behind a company’s needs.
If you are unsure if your company has the right insurance in place, now is a great time for a policy review. Protect your company with the right policy.
Now is the perfect time to review your options!
Cross Creek Insurance is here for business owners in the greater Hope Hills, NC area. If you want to protect your business with a comprehensive commercial policy, give us a call today.
When you have people who will be left behind after you pass away, it’s important to have life insurance to give them a helping hand. This is especially important for anyone who is dependent on either your salary or your services. Whole life insurance is one type of life insurance that is popular for its many advantages. Find out what whole life is and how it works. If you need coverage, call us today at Cross Creek Insurance in Hope Hills, NC.
Insurance for Your Whole Life
Term life insurance is a type that is good for one set term such as 20 years. However, whole life insurance is good for the rest of your life as long as you keep paying the premiums as agreed. As long as you keep up the payments, it will be there for your loved ones no matter how old you become. This insurance is often preferred for just this reason. With term insurance, you would have to shop for a new policy after the term ended, and that would be at a much higher rate. With whole life insurance, you can keep it for as long as you want it.
Building a Cash Value
Another reason that this type of life insurance is so popular is that it builds a cash value over time. This means that after a few years, the policy will start to include a portion of the proceeds that it earns through your policy into a cash value that you can then borrow against. This can solve a serious financial problem if you need quick access to cash sometime in the future.
Get Your Life Insurance Policy
If you are interested in a whole life policy, contact our office today at Cross Creek Insurance in Hope Hills, NC.
When you have a business in North Carolina, there are certain types of commercial insurance that you need to have. These keep you compliant with the law as well as protecting you financially if something should go wrong. If you need any of your required commercial policies or one that is smart to have but not required, call us at Cross Creek Insurance in Hope Hills, NC.
Workers’ Compensation Insurance
When you have a business that has three or more employees, you have to have workers’ compensation insurance. The employees that you have might be part-time or full-time. This coverage pays for the medical bills and other expenses, including lost wages, that may be due when an employee gets injured at work. Injuries on the job are ones that your business is liable for, and having workers’ compensation insurance makes it unnecessary for employees to sue you after an accident.
Commercial Auto Insurance
If your business owns a vehicle, that vehicle must have a commercial auto insurance policy. This coverage is required to have different types of liability insurance. It must include at least a certain amount of bodily injury liability for when one person is injured in an accident that your driver caused. There is also a required amount for two or more people who are injured in an accident caused by your driver. There is also a minimum amount required for the damage to another person’s property, called property damage liability. For trucking companies, there may be other coverage types required in order to stay compliant with regulations.
Get Commercial Coverage
If you have a business and you need commercial insurance, give us a call at Cross Creek Insurance in Hope Hills, NC. Talk to an agent about your specific business and find out what kinds of insurance you may need.
When you own a home, it’s vital that you have home insurance to cover both it and you. It provides a number of important protections that can save you financially if they are needed. In most cases, mortgage lenders require you to have this insurance. If they don’t, it’s still a smart idea to get this insurance to stay protected against a wide range of risks that can occur. To find out more, call us at Cross Creek Insurance in Hope Hills, NC.
Protection for Your House
One of the most important protection types with a home insurance policy is the protection for the home itself. This coverage type is enough to rebuild the whole house if it becomes necessary after a major incident occurs. If a covered incident happens, such as certain disasters and accidents, your home policy can pay for the needed repairs to your home. This can be worth hundreds of thousands of dollars, depending on how much the repairs cost and what the home is worth. This is important coverage for all homeowners.
Protection for Your Possessions
All of your possessions that are inside the house add up to a lot of value, and your home policy protects those as well. It allows your home policy to pay to replace items that are damaged in covered incidents. In some cases, it may pay for repairs of items that can be salvaged. This type of coverage is needed because of the large cost of all of your items when you add them together, and it could be excessively expensive for you to replace them all without this coverage.
Get Your Home Protected
To get your home insurance policy, give us a call now at Cross Creek Insurance in Hope Hills, NC to find out more about this coverage and to get started.